AiBank

中信百信银行股份有限公司 operates the official portal at aibank.com, which presents sections for wealth management, deposits, gold, consumer finance, industrial digital finance, and ecosystem finance. Its consumer credit product 好会花 is described as a brand under the bank offering pure online small-amount consumer credit to young individual users. The bank also publishes announcements and news on its site, including system upgrade notices and a fraud warning about fake "好会花" apps.

The official portal of 中信百信银行股份有限公司 presents the bank's service areas, including wealth management, deposits, gold, consumer finance, industrial digital finance, and ecosystem finance. Its consumer credit brand 好会花 is described as serving young individual users with pure online small-amount consumer credit. The bank publishes announcements and news on its site, including a February 11, 2025 warning about fraudsters impersonating 好会花 through fake apps, and system upgrade and maintenance notices dated August 4, 2026 and September 8, 2026.

• AiBank issued a public announcement warning users about fraudulent apps falsely using the name of its consumer credit brand 'Hao Huihua' to conduct scams, and clarified that the bank has no app named 'Hao Huihua'.

• AiBank carried out consumer financial education activities for '3·15' Consumer Rights Day, including a campus outreach event.

• AiBank conducted its 2025 Financial Education Publicity Week activities.

• AiBank won second prize in the data modeling track of the national 'Financial Industry Digital Transformation Skills Competition'.

• AiBank launched the 'Xinxin Hao' branded high-speed train in cooperation with China Railway, as part of its brand promotion.

• AiBank actively carried out '3·15' financial consumer rights protection education activities.

• AiBank published a consumer protection article titled 'Guard Financial Rights, Digital Intelligence Warms People's Livelihood | The Sky Won't Drop Eggs, Only Traps'.

• AiBank's Orange intelligent agent platform passed the China Academy of Information and Communications Technology (CAICT) 'Enterprise-level Intelligent Agent Security Capability Assessment' as one of the first batch.

• Xinhua Net reported that AiBank, in collaboration with China CITIC Bank, held the 2026 'Home Court' event.

• AiBank released a summer anti-fraud guide as part of its consumer protection education.

• AiBank released the white paper 'Towards the AI-Native Era: Large Model-Driven Intelligent R&D'.

• AiBank published a consumer protection guide warning against illegal 'anti-collection' traps and advising rational protection of rights.

• AiBank announced a system upgrade and maintenance window scheduled for September 11-12 and September 14-15, 2026, which might briefly affect certain personal and corporate financial services.

• AiBank published a consumer protection guide titled 'Cherish Credit Records, Stay Away from Malicious Default'.

• AiBank fully launched its 2026 financial education and publicity activities.

• AiBank announced that it will clean up and close long-term inactive personal accounts opened through cooperative channels, starting from November 1, 2026.

• 好会花

  A consumer credit brand under 中信百信银行 aimed at young individual users, focused on pure online small-amount consumer credit.

• 生意贷

  A data- and intelligence-driven financial service for small and micro enterprises.

• 百车贷

  An online, streamlined auto purchase finance product service.

• 票据业务

  A bill financing service product built for corporate clients, described as a "bill + internet" service for enterprises nationwide.

• 企业网银

  A one-stop corporate financial service platform.

• 工资代发

  A convenient service for disbursing wages, reimbursements, and similar payments.

• 2023

  Fined 5.032 Million Yuan for 11 Violations Involving Credit Reporting, Customer Identification, and Consumer Protection

  In August 2023, CITIC Baixin Bank was issued a warning and fined 5.032 million yuan by the People's Bank of China Beijing Branch for 11 violations, including overdue handling of credit reporting objections, failure to notify of negative information, credit information reporting, customer identification, disclosure of contract and product information, and underreporting of complaints.

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• 2021-04-08

  Chery and Baixin Bank sign strategic cooperation agreement[7]奇瑞汽车与百信银行签署战略合作协议workercn.cn

  Reported: 2021-04-11

  Chery Automobile and Baixin Bank signed a strategic cooperation agreement to build an automotive finance ecosystem and support digital transformation in the automotive industry.

• 2021-04-08

  Baixin Bank Launches “BaiChe Loan” and “BaiShang Loan”[8]百信银行推出“百车贷”和“百商贷”finance.sina.com.cn

  Reported: 2021-04-08

  Baixin Bank, China CITIC Bank, and Baidu jointly launched two products, “BaiShang Loan” and “BaiChe Loan.” “BaiShang Loan” targets car dealerships and branded chain auto repair shops, while “BaiChe Loan” targets individual buyers of passenger and commercial vehicles.

• 2021-04-08

  百信银行 launches smart auto finance brand[8]百信银行推出“百车贷”和“百商贷”finance.sina.com.cn

  Reported: 2021-04-08

  百信银行 announced and unveiled a new smart auto finance brand in Beijing.

• 2020-10-14

  BaiXin Bank launches Hao Hui Hua credit service brand[9]百信银行推出“好会花”信贷服务品牌finance.sina.com.cn

  Reported: 2020-10-14

  BaiXin Bank launched Hao Hui Hua, a new credit-service brand aimed at young individual users and focused on fully online small consumer loans.

• 2020-10-13

  Baixin Bank launches Hao Hui Hua credit service brand[10]百信银行发布好会花信贷服务品牌promote.caixin.com

  Baixin Bank launched Hao Hui Hua, a new credit service brand for young individual users offering online small consumer loans. The launch was presented through a comedy livestream with Happy Mahua.

• 2020-08-15

  Baidu and Baixin Bank launch Baidu Flash Pay Card[11]百度联合百信银行推出百度闪付卡tech.sina.com.cn

  Reported: 2020-08-15

  Baidu and Baixin Bank launched Baidu Flash Pay Card, a digital bank card based in the Baidu app that offers financial services including credit, savings management, mobile payments and bill payments.

• 2020-08-14

  Baixin Bank, China CITIC Bank Nanjing Branch and Suning Finance establish supply-chain cooperation[12]百信银行、中信银行南京分行与苏宁金融开展供应链合作finance.sina.com.cn

  Reported: 2020-08-14

  Baixin Bank, China CITIC Bank Nanjing Branch and Suning Finance established a cooperation model for online business based on the Suning ecosystem and launched a supply-chain project, completing its first loan disbursement.

• 2020-05-22

  Regulator approves Baixin Bank capital increase[13]监管部门批准百信银行增资扩股finance.sina.com.cn

  Reported: 2020-05-22

  China's banking regulator approved Baixin Bank's plan to issue up to 1.634 billion shares and approved subscriptions by China CITIC Bank and Canada Pension Plan Investment Board.

• 2020-04-22

  Baixin Bank and Everbright Wealth Management sign strategic cooperation agreement[14]百信银行与光大理财签署战略合作协议finance.sina.com.cn

  Reported: 2020-04-22

  Baixin Bank and Everbright Wealth Management signed a strategic cooperation agreement. Baixin Bank also became Everbright Wealth Management’s first external sales channel, with business implemented through the Yangguang Bilehuo No. 1 cash management product.

1. 1中信百信银行门户网站aibank.com
2. 2关于警惕不法分子冒用中信百信银行好会花名义采用虚假APP进行诈骗的重要公告aibank.com
3. 3关于中信百信银行系统升级维护的公告aibank.com
4. 4中信百信银行门户网站aibank.com
5. 5关于清理合作渠道个人长期不动户的公告aibank.com
6. 6Fined 5.032 Million Yuan for 11 Violations Involving Credit Reporting, Customer Identification, and Consumer Protectionjiemian.com
7. 7奇瑞汽车与百信银行签署战略合作协议workercn.cn
8. 8百信银行推出“百车贷”和“百商贷”finance.sina.com.cn
9. 9百信银行推出“好会花”信贷服务品牌finance.sina.com.cn
10. 10百信银行发布好会花信贷服务品牌promote.caixin.com
11. 11百度联合百信银行推出百度闪付卡tech.sina.com.cn
12. 12百信银行、中信银行南京分行与苏宁金融开展供应链合作finance.sina.com.cn
13. 13监管部门批准百信银行增资扩股finance.sina.com.cn
14. 14百信银行与光大理财签署战略合作协议finance.sina.com.cn